R&D RolloffDumpsters, L.L.C.

Residential • Commercial • ConstructionSpecializing in

16 yrd • 23 yrd • 29 yrdRon Haag & Dan Vandemark, Owners

Serving Harrison & Surrounding Counties

1948 Perry Trail • Woodbine, IA 51579

712-592-0175Email: rdrolloffdumpsters@aol.com

A supplement to theThe Woodbine Twiner & Logan Herald-Observer

Timing is important In August of 2011 Dan

Vandemark and RonHaag, both of Woodbine,started their own localdumpster business. R&D Rolloff has beenexpanding since that2011 opening. They havebeen watching the num-ber of their bright orangeunits spring up acrosstown and HarrisonCounty. Also the dump-sters can be seen in sur-rounding counties.Metal skills count

“Dan can do anythingwith metal,” Haag said.”I just follow his lead. Wehave done everythingfrom fix a posthole dig-ger truck owned by acontractor fromOklahoma doing workfor the R.E.C. to buildinga bike and cooler carrierfor mobile homes, vansor pickups. Withincreased demand fortheir dumpsters theyconcentrate completelyon that business.They build their ownlarge dumpsters

R& D RolloffDumpsters, LLC is con-stantly building newdumpsters to keep upwith the demand. Ittakes up to a week tobuild a large dumpsterworking part –time.They build the largerdumpsters that come inthree sizes 16 yard, 23yard and 29 yard. “Theyare suited for anythingthe landfill will accept”both said. There are lim-itations on what can betaken to the HarrisonCounty Landfill. A com-plete list is given to thecustomer before theyrent a dumpster. All elec-tronics, appliances,paint, pesticides and gas

cylinders are not allowedin the landfill. A true family business

Both men’s wives areimportant to the successof the company. Ron’swife Viola answers thephone and does thebooks. Dan’s wife, Paulahelps out wheneverneeded by the company.Location, location, loca-tion

The company’s build-ing, 1948 Perry Trail, wasoriginally built to houseHaag’s recreational vehi-cle and tractor. Thosetwo vehicles now sit outin the weather in hisdriveway. The locationis very convenient forboth men and makes itan easy delivery pointfor the large dumpsters.They can usually have adumpster to a work-sitewithin an hour of therequest. Years of experience areimportant

Vandemark has 15years of metal fabricationexperience havingworked for BondEquipment in Logan. Hedesigned and built pack-ing plant equipment.”He worked his way toshop foreman.” Haag

said of Vandemark’sexperience. Vandemarkis a lifetime resident ofthe area and Haag haslived here for 20 years.Vandemark works full–time for HarrisonCounty Landfill andHaag is semi-retired.What does a dumpstercost?

The cost for a dump-ster is $150.00 for thesmaller unit, $175.00 forthe medium unit, and$200.00 for the largestunit. Those prices havethe dumpster staying onthe site for seven days.After seven days, thefirm assesses a $10.00 perday additional fee. Forout-of –county clients a$30.00 fuel surcharge isapplicable. The customermust also pay $43.00 perton for the HarrisonCounty Landfill fee. It isvery important that thecustomer gets the rightsize dumpster for whatthey are throwing away.R& D Rolloff is requiredto cover the entire top ofthe dumpster with atarp. If the contents aresticking up to high itmakes it hard to coverthe top of the dumpster.

How to choose a dumpster provider

2 March 27, 2013Woodbine Twiner & Logan Herald-Observer

Alegent Creighton Health Community MemorialHospital and Alegent Creighton Clinics in Harrison Countyencourage everyone to have regular checkups with theirmedical provider. Yearly physical exams many times helpphysicians diagnose minor as well as major health issues.Physicals for women should include yearly mammogramtesting and men should have regular prostate/PSA examsand tests. Preventative care includes blood work, historyand overall physical condition evaluations.

For more information or to schedule an appointmentcontact one of the Alegent Creighton Clinics listed below.

Alegent Creighton LoganClinic

122 West 8th St.Logan, Iowa,

51546

(712) 644-3288

Alegent CreightonMissouri Valley Clinic

Located in HospitalMissouri Valley,Iowa 51555

(712) 642-2794

Alegent CreightonWoodbine Clinic

318 Lincolnway StreetWoodbine, Iowa

51579(712) 647-2566

Alegent CreightonDunlap Clinic

707 Iowa Ave.Dunlap, Iowa

51529(712) 643-2298

631 N. 8th St., Missouri Valley

712-642-2784

HOW TO GUIDE

41

14

17

BuyingYour mechanic can help

save you money before youeven buy your car. A pre-pur-chase inspection covering themajor mechanical and elec-tronic systems of the car cankeep you from buying a prob-lem.

Engine and transmissioncondition, such as noises andleaks, condition of service flu-ids, even overall cleanliness ofthe engine compartment cangive clues to how the previousowner may have cared for (orneglected) the vehicle.

Signs that the vehicle hasbeen in an accident, or hadmajor rust repaired (or coveredup) are often missed whenlooking at a vehicle on theground, but once up on a liftcan become readily apparent.

The test drive is anotheropportunity for a skilledmechanic to gain informationon the potential purchase.Engine and transmission oper-ation, brakes, steering, suspen-sion, and computer informa-tion gathered with a scan toolall help your technician giveyou the best possible recom-mendation.

A professional grade scantool (as opposed to a DIY levelcode reader) can access muchmore than the engine controlmodule (or ECM) of a vehicleand help your mechanic learnmuch more than jus

t the diagnostic troublecodes currently stored. Thereare data lists that can indicateupcoming troubles, overallhealth of the engine, transmis-sion and even air conditioningsystems.

Some missed maintenancecan be spotted, and costs givento bring the car "up to par", or ifthe neglect is severe, thenmajor repairs can be estimated.Either way, a look at the manu-facturer's scheduled mainte-nance (and industry standardpractice) vs. the mileage of thevehicle can give a buyer anidea of impending costs.

Various accessories are alsotested for proper operation.These items are often costly torepair or replace, not to men-

tion a prospective buyer maynot like how some thingswork, an important point insatisfaction with your newpurchase. For example, apotential buyer might not trythe air conditioning on a vehi-cle purchased in the winter,and even if they do, modernsystems can work reasonablywell even when low on refrig-erant.

That same inspection is anopportunity to get estimates onmaintenance costs, includingany special oils required (morecars are requiring synthetic oil,and some grades of oil thatmany people haven't evenheard of), transmission fluidcost and change interval, cool-ing system service life andcoolant type, tire replacement,even wiper blades are oftenmore expensive than motoristsrealize.

Factory recalls and techni-cal service bulletins arechecked and at least one onlinesource for typical pricing helpinsure every base is covered,and that you get the best possi-ble deal.Ownership

The biggest place for amechanic to help you savemoney is during ownership.Proper maintenance keeps fuelefficiency up, and helps miti-gate major repairs. Oil changes(even on synthetic oil and lesscommon grades) are obviouslyless expensive than buying anew engine, but other thingsmay be less obvious.

Flushing brake fluid issomething few motorists haveever considered, but moremanufacturers are recom-mending it, at various inter-vals. Some recommend time-based intervals, others wantfluid tested, others still com-bine the service with regularbrake jobs. Whatever the inter-val, the point is to protect com-ponents that touch fluid fromthe effects of water-laden orthermally deteriorated brakefluid. Brake fluid absorbswater by design; this keepswater from pooling in thebrake system (no system is per-fectly tight, water *will* find its

way in, usually as humidity inthe air) which could freeze inthe winter or boil in the sum-mer which could cause a loss ofbraking force. However, waterdoes lower the boiling point ofbrake fluid, and promotes cor-rosion, so flushing is importantto the long term effectivenessof your braking system andpreventing premature failureof brake system components.

Transmission fluid is some-times advertised as being"maintenance free" or "lubedfor life", but closer inspection ofowner's manuals and repairinformation often indicatesthat certain operating condi-tions still require regular main-tenance, and even if you don'tmeet those conditions you canextend the transmission lifewith a little attention. After all ifit is "lubed for life", what "life"are they referring to?

Power steering fluid, differ-ential fluid, transfer case fluid,all need regular attention, also,and can have costly conse-quences for neglect.

Spark plugs and oxygensensors are key to maintainingyour fuel efficiency andsmooth running, while regulartesting and cleaning of yourbattery and battery cables canprevent being stranded.

Regular wheel alignmentand steering and suspensioninspections keep your vehiclesafe, and can help your fuelefficiency. Selling/trading

Your mechanic can be avaluable asset when you areready to get rid of your car,whether it is to help you findthe correct trade in value ofyour car, or finding a price tosell it outright. And all thoserecords from your carefulmaintenance can be a powerfulsales tool.

Sometimes you might keepa vehicle long enough that ithas little or no value for sales ortrade in, but your mechaniccan still help, as he may knowsomeone looking for a partscar, or a salvage yard that paysbetter than others.

How to … save money onyour car with a mechanic's help

For more than 50 years, the mis-sion of Alegent Creighton HealthCommunity Memorial Hospital hasbeen to nurture and enhance thequality of life for residents ofHarrison County. As a communityhospital, its ongoing commitment isto keep residents in good health.Through the years, Alegent HealthCommunity Memorial Hospital hasstrived to improve the health statusof southwest Iowa residents – chil-dren, teens, adults, senior citizens,friends and neighbors. CommunityMemorial is proud to offer health-care services – close to home – with-in this community.

Alegent Creighton ClinicAlegent Creighton Clinic is a net-

work of highly skilled primary andspecialty care physicians. Clinics areconveniently located and supportedby physician assistants and/or nursepractitioners who have the expertiseto prevent, diagnose and treat a widevariety of conditions. Patients of allages may see an Alegent CreightonClinic physician for services includ-ing preventive care; health screeningx-ray, laboratory and other diagnos-tic services; and minor surgical pro-cedures.

Alegent Creighton Clinic -Dunlap

Alegent Creighton Clinic - Logan Alegent Creighton Clinic -

Missouri Valley Alegent Creighton Clinic -

Woodbine Physical Therapy- Missouri Valley Community Memorial ServicesThe physicians, nurses and other

associates at this community-basedhospital are committed to deliveringpersonalized, compassionate care foreach individual. Such care takesmany forms - technologicallyadvanced medical services, qualityhealth education, health screenings,and more. Beyond the hospital walls,Community Memorial Hospitalworks closely with businesses, com-munity groups, churches, schools,social service agencies and others tobuild a healthier community.

Community Memorial providesthe following services:

**25 Acute Inpatient Beds ** -Acute Inpatient Beds are also certi-fied as Skilled Swing Beds allowedunder Critical Access Hospital rules

24-hour emergency care with heli-port accommodations

Diagnostic imaging services: MRI,CT scans, Dexa bone density scans,Nuclear Medicine, general radiolo-gy, mammography, surgical radiog-raphy and ultrasound

Diagnostic and evaluative labora-tory services

Cardiovascular services includingnon-invasive diagnostics studiessuch as EKG, telemetry monitoring,treadmill stress testing, ECHO car-diogram, and stress ECHO cardio-gram

Cardiac and PulmonaryRehabilitation

Inpatient and outpatient physicaltherapy for orthopaedic, burn, occu-pational health, stroke and sportsinjuries

Outpatient and Hospice services Mental/Behavioral Health and

Geriatric services Nutritional services Outpatient surgery Outpatient clinics Respite services Social services Educational programs and

instruction for patients, staff and thecommunity.

Alegent Creighton HealthCommunity Memorial Hospital pro-vides a variety of specialty clinics:

Cardiology non-invasive studies Ear, Nose and Throat Gastroenterology including

videoscope equipment General Surgery/Wound Care Medical/Surgical consultation OB/Gyn Oncology/Oncology outpatient

Center Ophthalmology Orthopedics Pain management Podiatry Urology

Why choose Alegent CreightonHealth Community Memorial Hospital?

March 27, 2013 3Woodbine Twiner & Logan Herald-Observer

And you’re never too young to appreciate a really good chair. So, stop by Denise’swhere we’ve got the finest selection of refurbished antique chairs in Harrison County.

In fact, you can only hope to look this good when you’re 126 years old.

Denise’s Designs & Upholstery

You’re never too old to rock.

421 Walker Street Woodbine, Iowa 712-647-3451

Now through April 30, 2013

20% off fabricon any new upholstery or drapery project

Ask about our ottoman and headboardsdesigned exclusively for you.

HOW TO GUIDE

Are you consideringredecorating your livingroom or den? Do you have apiece of furniture you likebut think it would fit intothe room better if it wasupdated?

First, just take a momentto acknowledge the difficul-ty of finding a good piece offurniture. Most furniture atdiscount stores is madecheaper to keep cost downand likely to not use high-quality products.

You are looking for style,comfort and quality – inaddition to color, textureand type of fabric. That's alot to consider. Furniturebuilt more than 10 years agowill most likely have betterquality construction.

Of course, if the piece hassentimental value, or is anantique, you’d rather keepit. Before you go out andspend all that money onnew furniture it might bebetter to have your objectsreupholstered.

Reupholstery is major sur-gery – the furniture isstripped down to the frame,then rebuilt, which explainsthe project's cost. However,you get a "new" piece of fur-niture as a result. Theupholstering experts atDenise’s Design andUpholstery had more infor-mation.

You can have a lot of funwith something that has anold-fashioned frame, saidDenise Davie. Quality furni-ture such as Flexsteel,Henredon or Vanguardproducts, have very littlethat can go wrong, she said.

Off-brands use cheepy,light wood,” Davie said.“They also use light-weightsprings, stapled or epoxy-held braces and joints andlow density foam.”

Her suggestions are tolook at the furniture’sbones. Look at the bottomframe and make sure it'shardwood. Check for strong,intact corner braces and sta-ble construction. Look to seethat it was made with eight-way hand-tied or heavyduty S-springs that arespaced close together. Testthe furniture to make sure itdoesn't rock during use.These are indicators that apiece still has many years oflife.

Still, Denise said she cantailor a piece for prime com-fort and support. She canbeef-up almost anything, fixbroken frames and braces,put new foam into cushionsand take care of stains andtears.

She and her wood-work-ing genius son Steve willwork to make your furnituredreams come true.

How to decide if its time to reupholster

H137IA (11-10) FB-14-P-10Wellmark Blue Cross and Blue Shield of Iowa is an Independent Licensee of the Blue Cross and Blue Shield Association.

Chad SomaFARM BUREAU AGENT503 Walker St Office Ste 5Woodbine, IA 51579712-647-2647

I know health insurance.

The rising cost of health care is aconcern. Holding down those costincreases is one of the reasons theAffordable Care Act (ACA) waswritten and passed by Congress.However, there’s lots of confusionabout how the ACA will impactthe way premiums are calculated.

Health care reform will requirehealth insurance carriers to lookdifferently at how premiums aredeveloped for individuals. Here’san example of how this works:

Let’s say a group of people meetat a restaurant for a dinner party.Orders are placed and later the billcomes.

Based on how rating workstoday, the dinner party is exclusive.Insurance is intended to pay forconditions and events that mayoccur in the future, but do not existtoday. For this reason, insurers donot have to cover everyone.

In this analogy, it would be sim-ilar to offering a menu with limitedchoices. Each person would paytheir share based on what they typ-ically order. The amount each per-son pays is based on past eatinghabits, etc. For the most part, thosewho ordered more food will paymore and those who ordered less

will pay less.In 2014, this will work different-

ly. First, due to the guaranteed

issue requirement, anyone must beaccepted regardless of health sta-tus.

Second, everyone can see thefull menu of covered benefits andeveryone will have to take thecomplete benefits referred to asessential benefits because there areno pre-existing condition exclu-sions.

Third, because of the new pre-mium rating requirements, the billwill be split more evenly among allpeople at the table. Those who paida lower share of the bill before willbe asked to pay more, even thoughthey don’t plan to change theirorders. Those who paid a largerportion of the bill before nowwould pay less.

Throughout 2013 insurance car-riers will provide more informa-tion about the insurance plans thatwill be offered beginning January1, 2014. In the meantime, pleasecontact your local Farm Bureauagent to assist you in understand-ing how the ACA could impactyou.

Setting the table for Health Care ReformThink about this: The annual cost of a 20-year,

$250,000, level term life policy for a healthy 30-yearold consumer is roughly $150 a year, but accordingto a new LIFE Foundation and LIMRA studyAmericans estimate the cost at $400.

Don’t let common misconceptions about lifeinsurance keep you from securing adequate cover-age. The truth is that regardless of your stage in life,you likely have a need for life insurance.Just starting out

Whether single or married, if you have debt fromcollege or a mortgage, life insurance can ensure youdon’t pass on that burden. Life insurance benefitscan eliminate the worry about paying final expens-es, or keeping the mortgage or other debt paymentscurrent.Affordable family protection

When children are part of your family, life insur-ance becomes even more important. The right lifeinsurance policy can ensure your children will beprovided for from the time they are small throughcollege age or their lifetime, depending on the poli-cy.Single doesn’t mean alone

For single parents, life insurance can be evenmore important than for two-parent households.Some singles may provide care for aging parents orother family members. With adequate life insurance,you can help ensure your loved ones’ care and med-ical costs are covered, should something happen toyou.Empty nest offers room to grow

Your kids may be out of the house, but you like-

ly still need life insurance to replace lost income nowand in retirement if the unthinkable happens. Plus,while the house is “empty,” you may still wish tohelp your kids with college or pay for a wedding.Financial safety net

Did you know that some pension plans ceasepaying upon your death? And for retired coupleswho are both receiving Social Security benefits, thelower of the two payments will end following thedeath of a spouse. You can count on life insurance toreplace these sources of income and allow yourspouse to continue the retirement lifestyle youplanned.As your circumstances change, it’s a good idea toreview your life insurance plan. Ask your agent howdifferent types of life insurance can create an afford-able plan that protects you and your family.Source: Life and Health Insurance Foundation forEducation, Consumers Overestimate Cost of LifeInsurance by Nearly Three Times, www.lifehap-pens.org, visited May 29, 2012.Tips brought to you by Farm Bureau FinancialServices. For more information about products andservices, call Chad Soma at 712-647-2647.

Securities & services offered through FBLMarketing Services, LLC+, 5400 University Ave.,West Des Moines, IA 50266, 877/860-2904, MemberSIPC. Farm Bureau Property & Casualty InsuranceCompany+*, Western Agricultural InsuranceCompany+*, Farm Bureau Life InsuranceCompany+*/West Des Moines, IA. +Affiliates*Company providers of Farm Bureau FinancialServices

Get the Facts

4 March 27, 2013Woodbine Twiner & Logan Herald-Observer

3 Licensed Insurance Agents withmany years of experience

Makes a BIG Difference!

Visit Us Online at warnerinsuranceagencyinc.com

Companies We Represent• Allied Group • EMC Companies

• 1st Auto & Casualty • Farmers Mutual Hail• 1st Comp • ICAP • IMWCA • Grundy

• Continental Insurance Companies• Progressive • Western IA Mutual

• United Fire & Casualty • IMT

Kris Miller

HOW TO GUIDEInsurance agents and brokers can streamline your insurance purchases and

become your ally if you run into insurance problems down the road. The terms “agent” and “broker” are often used interchangeably, but is there

a difference? Technically, an agent sells insurance from one insurance company,while brokers represent many carriers. An “independent agent” is unaffiliatedwith any particular insurer and represents a range of companies.GETTING STARTED

Do your homework before you set foot inside an insurance agency. First,identify what you want in auto, health, home, life, business and other insuranceproducts. Write it down. This list of features becomes the summary plan thatyou will give to agents and brokers in exchange for price quotes.

When you are in the shopping-around stage, you can go online to get pricequotes and ballpark figures for useful comparative rates. It helps to know whatcosts you are facing. THE RIGHT AGENCY

Look for strong service reputations and seek out testimonials from other sat-isfied customers. Use any contact you have in the insurance business to find outwhat agents are considered the most helpful.

Ask how long the agency has been in business and what insurers it workswith. Longstanding agencies have clout with insurers and they can be youradvocate if you face a claims problem. Ask your agent if he or she has knowl-edge in handling claims and if he or she is allowed to help in settling a claim.Many insurance companies will not let their agent intervene with the adjusterto help the client in a claim settlement. Don’t be shy about asking for refer-ences.-and following up on them.

Work with insurers that are financially stable. Rating services such asStandard and Poors and A.M. Best rank insurance companies based on finan-cial stability and performance, and good brokers will discuss with you thefinancial status of the insurers they work with.

Often, one agency can handle all of your insurance business. According tothe Better Business Bureau, one way to save money is to insure all your auto-mobiles with the same company or agent and to buy your homeowner’s policyor other insurance policies from the same source. Multi-policy discounts arecommon. Ask about long-term holder discounts. Combining policies also helpsto eliminate gaps in coverage. Also, ask what other services the broker offersand at what costs. Alternately, you can shop around based purely on price com-parisons. If you treat insurance just as a commodity brokers might not appreci-ate it, but you have the right to shop until you are satisfied. However, watch outfor low-ball quotes. Often times, needed coverages are eliminated, undiscloseddeductibles are found and hidden charges and penalties are assessed for filinga claim.HERE ARE SOME WORDS TO KNOW WHILE SHOPPING FOR INSUR-ANCE Conditions: Explanations in the policy of your and your agent’s respon-sibilities. For example, how claims are to be filed and what proofs you mustsubmit with your claimCoverage: Description in the policy on specific circumstances in which you canreceive benefits.Deductible: The amount of a loss or claim you must pay before you can collect.Premium: The cost of the insurance policy. RATINGS ARE IMPORTANT

It is also important to understand the ratings, especially in car insurance. Therating is the process by which the price of your insurance coverage is deter-mined. States are divided into ratings territories. Your insurance agent, in thecase of car insurance, bases part of the price of your policy on the claims histo-ry of all the drivers it insures in your territory. Often there are discounts relat-ed to age and household or marital status.

How to choose an insurance agency

It was Ben Franklin who said nothing iscertain but death and taxes. This articledoes not deal with taxes, but rather theother certainty in life. Everyone dies, so adiscussion of funeral planning is never irrel-evant.

When someone we love dies, there arevarying stages of anger, confusion andnumbness. The funeral is one of the mostsignificant means we have of dealing withgrief. The funeral ritual helps us focus ouremotions and brings a sense of meaning todeath. It confirms the reality of death andprovides a catalyst for mourners to talkingabout the deceased. Experts tell us beingable to talk about the life of a deceased lovedone is one of the first steps toward acceptingdeath.PREARRANGING YOUR FUNERAL

Prearranging your funeral is not muchdifferent than any other planning you havecarried out during your lifetime. You buyinsurance in case of fire, flood, theft ordeath. These coverages are purchased as anact of love and responsibility for those youlove in case an unfortunate incident occurs.A pre-planned funeral accomplishes thesame goals.

A pre-planned funeral can prevent yourfamily members from having to make anumber of significant decisions at a timewhen they are confused and upset. Theywill have enough on their minds dealingwith grief without having to make severalimportant decisions in a very short period oftime. Experts tell us that there are an aver-age of 50 decisions to be made when arrang-ing a funeral.

Adding to the need for pre-planning isthe fact that our lifestyle is more complex intoday’s world. Family members often live indifferent states, complicating rapid decisionmaking. Further complications stem fromfrustrations that occur when dealing withgovernment agencies in different states. Asolid pre-planning session can prevent thesecomplications which can loom very largeduring a time of pain and sorrow.HOW TO PLAN

A call to a funeral director is a goodbeginning in making sure you have coveredall your bases in your planning. He or shecan lead you through a process to ensureyou don’t forget vital information in yourplan. Some funeral directors offer free book-lets that provide a “punch list” of topics tothink through and record your wishes.

Topics in these guides include funeraldetails ranging from visitation to the memo-rial service and alternatives from burial, cre-mation or entombment. These are obviousdecisions, but other important topicsinclude categories that will provide a help-ing hand to your family. Additional topics

include organizations to be notified withphone numbers, persons to be notified,medical history, estate information, bankinginformation, real estate holdings and insur-ance policies. Many include obituary infor-mation outlines, personal property invento-ries and special instruction and informationpages. There may also be informationregarding the importance of your will andhow to go about ensuring it is accurate andupdated.PREFUNDING YOUR FUNERAL

Prefunding your funeral also is animportant consideration. Your funeral direc-tor can show you options which will waiveyour family from possible financial burdenlater. You may take out a life insurance pol-icy which would cover funeral expenses, orinvest in a funeral trust account or finalexpense insurance policy. In most cases,funds invested today would be enough tocover the total cost of the funeral sinceinterest earned by the funds will offset theeffect of inflation. Government regulationssafeguard your investment so funds willalways be available for use.

Another important part in your plan is tomake sure your loved ones know whereyour recorded wishes can be found.Millions of dollars in government and insur-ance death benefits go unclaimed becausefamily members do not know where to findinformation they need at the time of death.

Some considerations that also need toremain in the forefront of the pre-planningagenda:

• Social Security: When a loved one dies,dependents and survivors may be eligiblefor certain benefits such as death payments,survivor’s benefits and Medicare.Qualifications depend on several factorssuch as age, marital status, number ofdependents and whether employment wasunder Social Security. Your Social Securityaccount should be verified periodically toensure contributions are posted. All benefitsmust be applied for since payments are notautomatic.

• Veterans Benefits: Honorably-dis-charged veterans are entitled to benefits thatmay affect decisions about funeral arrange-ments. For example, veterans may qualifyfor a cemetery plot and burial allowances, aheadstone and burial flag, as well as pensionfor survivors.

• Medicaid: There are provisions underFederal Title 19 that allow an individual toshelter funds to serve the family later byproviding for funeral arrangements.

Since qualifications vary for each of theseoptions, it is best to discuss your situationwith your funeral director.

How to plan a funeral

March 27, 2013 5Woodbine Twiner & Logan Herald-Observer

Call to Start YourService Today!

Ask about Low-Cost Rates!

• Town • Country • Dumpsters

Locally owned & operatedC&H HAULING

21 2nd St.Woodbine, IA 51579

(712) 647.2139 (office)(712) 647.8861

C&H HAULING

WOODBINE FARM SUPPLY712-647-2220 521 Walker St • Woodbine, IA

www.wbfrmsup@iowatelecom.net

HOW TO GUIDE

Professional Waste Collection, Personal Service

Since 1980s, the Harris family has operated C&H Hauling – a popu-lar garbage hauling business in Harrison County, including the towns ofWoodbine, Dunlap, Dow City and Logan. Today, Doug Harris still livesin Woodbine and is proud to own and operate the family waste collec-tion business, serving customers who need dependable, affordablegarbage service. C&H Hauling provides a unique combination of high-ly professional waste solutions and personal service for residential andcommercial companies. If you’ve worked with Harris, you know thequality he demands of his company for its customers.

C&H Hauling offers the best of both worlds to their valued customersin Harrison County: Personal service and professional waste disposal. Ifyou have questions, you can talk directly with a local person closelyinvolved with the business who knows your community, and that per-son can help you immediately. With their decades of experience, theyhave always taken their work very seriously which is why they have theproper equipment to assure your garbage is picked up on time, everytime.

Their friendly, knowledgeable staff can be counted on to answer yourquestions, suggest solutions and make decisions that benefit you. Theyare not answering from a call center in another city, so they know suchthings as where road construction is, where you can drop off yourChristmas tree, what local disposal regulations are and how to find aplace to recycle your computer.

• Staff members live in the Woodbine area and communicatedirectly with drivers

• No hidden fees for cancellation, fuel price fluctuation or randomenvironmental issues

• They know about local weather, Harrison County road closingsand other conditions that might affect delivery

• Their prices are lower, in part because they don’t have to supporta corporate structure

• They can respond quickly because they’re a local waste collec-tion company

• They recommend useful Woodbine-area services to customersand share other local facts as needed

• They care about and work hard to protect the environment thatsupports us all

• They care about their customersC&H Hauling prides itself in providing the highest level of service

that is as professional and dependable as any waste collection company.They are locally-based and buy everything they use for their business(fuel, tires, insurance, etc.) in the area.

Woodbine Farm Supply has been in business for decades, recentlythey expanded into the steel building business.

While they offer the traditional farm buildings, such as silos, theycan also provide their clients with custom-built structures for justabout any need.

“We built the fire departments new building and a church gym,”said Francis Harper, owner of Woodbine Farm Supply. “We can pro-vide a wide range of steel building designs.”

Harper works with several companies in order to get the exact facili-ty his clients need. Behlen, GSI, Conrad American and Sioux SteelCompany are among the providers he can use.

Steel buildings offer everything that a modern structure will need,Harper said. They are extremely reliable in all forms of weather condi-tions and offer great insulation.

Steel structures can be put up faster than conventionally built struc-tures such as wood or brick. This is because the primary parts of thebuilding can be prefabricated and assembled beforehand. Steel build-ings, whether commercial or residential, are easy to build, maintainand expand.

“They can be easily customized to fit your needs, and will provideyou with a quality building that will last for years,” Harper said. “Youbring in the specs and we’ll fit it.”

There are many choices to be made when planning a new building,such as the size, shape and function. Harper will help you sort throughthese options.

Some of the benefits of using steel structures include:• Material is cheap to maintain• Steel structures can be constructed faster than wood structures• Steel and metal are less vulnerable to most forms of weather,

erosion, insects, rotting, splitting and fire• Most steel manufacturers coat their product with galvalume,

which protects against rust• Pieces can be recycled or reused later• Steel and metal are both environmentally friendly materials

compared to wooden structuresWoodbine Farm Supply would also be glad to help you to find an

erection crew, as they have partnerships with steel building erectorcompanies. One hint: Erectors have very busy schedules, so schedulean appointment in advance. Once the construction date is set, yoursupplier will be able to schedule delivery.

“We also offer different ways of financing,” Harper said. “We haveseveral options.”

For more information, contact Harper at Woodbine Farm Supply at647-2220.

Woodbine Farm Supply offers steel buildingsalong with quality ag products

6 March 27, 2013Woodbine Twiner & Logan Herald-Observer

K&PEXCAVATIONFarm Improvements • General Dirt Work

Ditch Cleaning • Terrace RepairWaterways • Demolition

712-647-82061725 Panora Ave • Woodbine, Iowa

Excavation isour Business

Farmers • Contractors • Engineers • Counties

HOW TO GUIDEPassion in the profession

Chelle Butrick got started in pho-tography when she was in highschool. She had to take a class inphotography for an art project. Shewas hooked on the art of photogra-phy at that time. Her parents gaveher a Pentax100. She went to collegeand received a Bachelor’s Degree inFine Art with an emphasis in pho-tography and graphic design.Experience is important

In 1996 after graduating from col-lege and getting married she andher husband Jeremy moved toMurry, Kentucky. Chelle wasemployed by a well-known areaphotography studio and learned thephotography business along withstudio lighting and other relatedcrafts.

In 1999 she and her husbandmoved to Little Rock, Arkansaswhere she worked for another pho-tography studio. A year later in 2000she opened her own photography

studio “Chelle’s CreativePhotography.” Six years later sheand her husband moved toHarrison County where she had asmall studio in downtownWoodbine, Iowa. Chelle now worksout of her home but spends most ofher time on location.The digital revolution

Since photography switchedfrom film to digital photographymany photo studios openedbecause it was much easier to takephotos. She has managed to stay inbusiness because she offers a profes-sional eye, a quality product, rea-sonable prices and she takes time toknow her clients .Anyone can pushthe button on a digital camera, espe-cially if it is set on AUTO, but if youcannot back up that image with thequalities your clients are lookingfor, you are not fulfilling theirexpectations for capturing themoment at hand. Enjoying the photography busi-

ness Chelle enjoys the adventure of

the session. Every child or family isdifferent and every event poses anew experience. Finding and cap-turing the emotion of that momentis the challenge and knowing howto handle the unexpected is the fun

part. She gets personallyinvolved in the sessions she does.She wants the images she takes tomake an emotional impression onher clients .She tries to capture thatexpression, little quirk or body lan-guage that makes a mom say “ Healways makes that face” so they canlook back years from now andremember it like it was yesterday.Repeat business is important

Her clients come from all overHarrison County and she also hasclients in the surrounding countiesalong with Des Moines, Nebraskaand Missouri. The majority of herclients are repeat clients and fromthose clients she gets many refer-

rals. Clients of all ages and types

She photographs children, fami-lies, high school and college senior’sweddings, pets, and sport teams.She also has an Easter Special whereshe photographs clients with livebunnies. She also has a fall outdoorspecial in October. She has pho-tographed tractors, buildings alongwith hobbies like motorcycles, cars,musical instruments and dolls.Professional Detail She prints all of her photographs atprofessional laboratories. All of herimages are guaranteed by the laband her studio. She offers all sizes ofprints from wallets to 30 inch by 40inch sizes. Plan for your photos in advance

For family and children, plan amonth in advance. Talk about thesession with Chelle. Decide whatclothes are to be worn. If planning awedding a year ahead of time isideal.

Experience is important when choosing a photographer

K&P Excavation in Woodbine Iowa is currently owned andoperated by Mary Kelly and Tim Plowman. The company wasoriginally owned by Mary’s dad Pat Kelly. That company wascalled Pat Kelly Construction. When her dad passed away Timand Mary decided keep the tradition and continue the business.The name was changed to K&P Excavation.

Experience in heavy equipment operation Tim Plowman had the knowledge and experience with run-

ning heavy equipment in Texas and other locations in theMidwest. He had operated multiple types of heavy equipmentthat are necessary in the excavation business

Customers come from various businessesNaturally contractors call K&P Excavating for various jobs.

Those jobs include digging basements for new home construc-tion. There are many other businesses, cities and county govern-ments that need the expertise and machinery that an excavationcompany possesses. Engineers do a lot of work with excavatingcompanies. Ditches need to be dug on farmer’s land to takerunoff water away from the fields. New home owners need nicedriveways dug and many counties need excavation work forcounty roads. Also sewers need to be replaced in town.Demolition of old buildings and barns are on the to-do list also.

Are you a one man operation?Half of the time Tim is a one man operation out in the field. In

bigger jobs extra help is brought in .Usually one, two, or threeextra workers are needed.

Has the housing slowdown had an impact on your business?The lack of new housing starts has resulted in a slowdown the

last several years. As that has slowed down the farm related projects have man-

aged to stay steady. New opportunities in excavating businessK&P Excavating is constantly seeking new clients and areas to

expand their business. The company works in Harrison, Shelby,Monona and Crawford counties.

What type of heavy equipment is used? Excavation demands many types of machinery including:

bulldozers, graders, dump trucks, dirt compactors, backhoes,pay loaders, semi-trailer trucks, and skip loaders.

Has a cold winter slowed down your projects?Yes the winter of 2012 -2013 with colder temperatures has

made a difference. Last winter with milder temperatures wasmuch better for construction in general.

How to choose an excavating company

March 27, 2013 7Woodbine Twiner & Logan Herald-Observer

Serving the residents of Western Iowa since 1892Your Bank for Today and Tomorrow510 Lincolnway • Woodbine, Iowa 51579

712-647-3375Earling

(712) 747-2000Harlan

(712) 235-2000www.FTNSBank.net

FOR YOUR BANKING CONVENIENCEDrive-Up Hours:

Mon. - Thurs: 8:00 - 4:30Friday: 8:00 - 5:30

Saturday: 8:00 - 11:00

Lobby Hours:Mon. - Thurs: 9:00 - 3:30

Friday: 9:00 - 4:30Saturday: Closed

Walk-Up Hours:Mon. - Fri.: 8:00 - 4:30Saturday: 8:00-11:00

ATM 24HOURS

E-Statements now available!Home Loans • Ag Loans

Visit us online:www.FTNSBank.net

EBY DRUG STORESPrescription Specialists

ServingHarrison County

Since 1916Please call ahead for

prescription refills

Woodbine: 647-28408:00 a.m. - 5:30 p.m.

Mon. thru Fri.8:00 a.m. - Noon Saturday

Closed Sunday

Logan: 644-2160Open at 8:30 a.m. - 5:30 p.m.

Mon. thru Fri.8:30 a.m. - Noon Saturday

We accept Medicare Part D, Visa, Mastercard

HOW TO GUIDE

In days of yore, switching a bank account was a tedious, time-consuming and treacherous affair. But, not now – not at Farmer’sTrust and Savings Bank.

“We make the change easy,” said Roger Kenkel, Executive Vice-President of Farmers Trust and Savings Bank in Woodbine.

In the past, switching banks meant making a list of all yourautomatic bill pay accounts, contacting each of them to informthem of the switch and then keeping your old bank account openwith a back-up deposit to make sure you didn’t miss any bills dur-ing the transition.

With a switch to Farmers, all you need to do is bring in yourmost recent statement listing your current automatic withdrawalsand deposits. The bank will assist you in acquiring and changingeach of your automatic bills – whether they are a phone company,utilities or even insurance and IRA contributions.

“You just sign,” Kenkel said. “And we will make it simple andeasy.”

The same can be done for Direct Deposit for payroll, invest-ments, and Social Security, he said. Anyone wishing to switchtheir bank account to a family-owned, local bank is welcome tospeak with Betty Murphy or Brenda Loftus.

Farmers Trust and Savings Bank has been in business for morethan 120 years. They opened their first branch in Shelby Countyand still have two branches there; one in Earling and another inHarlan.

Their convenient locations are open from 8 a.m. to 4:30 p.m.,Monday-Friday and 8-11 a.m., Saturday. They are also offeringlong-term, low rate home loans.

To put the finishing touches on your checking account transi-tion, the bank suggests that you shred all the checks and debitcards that came with your old account to prevent them from beingused by identity thieves.

How to switch your bank account

If you’re like most people, you did not choose a pharmacist, you chose apharmacy for your medication needs. Your pharmacist is a very important partof your health care team and should be chosen carefully. In between doctor vis-its, your pharmacist can be an important resource for you. This is especiallytrue if you are using multiple medications or need help with products such asblood glucose meters, asthma inhalers, or other special care items. Some keyquestions to ask when choosing a pharmacist include:

• Does the pharmacist take time to answer your questions in a manner thatyou understand?

• Does the pharmacist tell you about each new medication and explain suchthings as how and when to take the medication and what you can and cannottake with it?

• Does the pharmacist have any special training in disease management,such as a certified asthma counselor?

• Does the pharmacist show concern for you and your family? • Does the pharmacist recommend vitamins or supplements to take or tell

you which ones you should NOT take with your prescriptions? If your currentpharmacist does not meet your needs or does not take the necessary time tomake sure that you understand your medications, visit other pharmacies andask if the pharmacist has any special certifications or training. Find out if thepharmacy has any special services that they can offer you such as demonstrat-ing a new inhaler. See if you can find a pharmacist that is easy to talk to, yetshows concern and is able to explain what you need to know as a consumer ofboth prescription medications and vitamin supplements. WHAT TO LOOK FOR IN A PHARMACY

Where your family pharmacist works should also be an important consider-ation when deciding how to meet your medication needs. Most people takingmedications visit a pharmacy monthly and should consider several factorswhen choosing which pharmacy to patronize. Convenience is an importantissue with all of the time pressures that people feel these days. The pharmacyshould be in a convenient location with convenient parking nearby. If you areunable to get to the pharmacy, the pharmacy should make sure that your pre-scriptions are mailed to your home or delivered to your home or work. Havingthe ability to open a charge account or have a credit card kept on file for charg-ing prescriptions is a convenient feature, especially when you are on a trip orsomeone else is picking up the prescription for you.

The pharmacy may offer special services that set them apart from the otherpharmacies. You might be interested in special packaging to make it easier toremember to take your medications. If you have diabetes, finding a pharmacythat can demonstrate several glucose monitors to find which one works best foryou can make testing your blood sugar easier. Some pharmacies have the abil-ity to “download” the readings off your diabetes monitor and print them outfor you. This will help both you and your doctor control your diabetes. Ask ifthe pharmacy can measure your “Alc” level to check your long-term glucosecontrol. Look for a pharmacy that offers a private counseling area so you canask personal questions without being overheard. Other conveniences thatshould be taken into account include a toll-free phone number to use if you liveout-of-town or are on vacation. Ordering refills over the internet is somethingnew many progressive pharmacies now offer. Many times, you can also look uphealth information on the pharmacies’ web sites as well. It is a good idea to getall of your prescriptions filled at a single pharmacy. The pharmacy keeps a com-plete medication profile on you. These profiles record all medications that youare taking, health problems, and drug allergies that you have told the pharma-cist about. By going to one pharmacy, your pharmacist will be able to continu-ously update your patient profile - making sure all the information is accurate.This will help avoid problems that occur when some medications are mixed.With a little effort, you should be able to find a pharmacy that will be your part-ner in your goal of living a healthful life.

How to choose a pharmacist

8 March 27, 2013Woodbine Twiner & Logan Herald-Observer

HOW TO GUIDE

Due to the continuous rise in utilitycosts, homeowners, builders, farmersand even electric and natural gasproviders acknowledge the ever growingneed for more energy efficient buildingproducts. For the new home builder tometal building owner, the need forbuildings to meet “cost of ownership”budgets become greater. One of the bestways to curb energy costs is throughproper insulation. With R Values rangingfrom 13 to 19, a building owner can havea sense of confidence that the building“envelope” is properly sealed.

The building envelope is a total sys-tem of construction materials and designcomponents that control the tempera-ture, movement of air, and moisture bothinto and out of the building. A build-ing's insulation, air barrier and vaporbarrier all need to work together toachieve a more stable, comfortable andhealthier indoor environment. Manynew materials and design practices arebeing implemented to extend the sus-tainable service life of buildings andhomes.

Traditional insulation products createinherent gaps that allow for convection,or windblown heat and cooling loss. Asignificant percentage of energy is lostdue to these convection currents. Thecurrents can also raise or lower thehumidity in the structure, creating anuncomfortable environment. These samedrafts carry dust and allergens.Build it Tight, Ventilate Right.

Ventilating the Attic and the CrawlSpaces has long been the traditional andcode required method of home designand building. However, ventilation ofthese spaces was required because stan-dard materials and building design prac-tices were not capable of addressingradiant heat transfer, condensation, andthe results of “stack-effect issues.”

In order to address heat transfer formweather issues, utilities, and the forma-tion of moisture due to condensation andair infiltration, the only option was toventilate the attics and crawl spaces.The major problem with ventilatingthese spaces is that the air brings mois-ture, pollution and other adverse prob-lems and challenges with it.Furthermore, the vents to allow it in cre-ate voids in the building for insects androdents to enter, and all our nice condi-tioned air that escapes, or is pulled fromthe living spaces to exit.

In fact, in the summer, the incomingair needs power consuming fans to bringit in, and it will never get any cooler thanthe outside air temperature. Why wouldwe want 95 degree hot, humid, potential-ly pollution ridden air into our attic andcrawl space? In the winter this air isfreezing cold.

If our heating/cooling utilities andducts are located in the attic and/orcrawl spaces (most usually are) thentheir radiant contact with the ducts willcause them to lose up to 10% or more ofthe hot or cold air flowing through themdue to radiant transfer. Worse yet, mois-ture and mold can also form within theducts during certain temperature condi-tions, causing adverse health effects tothe building occupants or your family.

Another major reason that traditionalmethods call for attic ventilation is thatduring the hot summer months, heatfrom the sun builds on the roof and radi-ates into the attic space. In fact, it canbuild to upwards of 130 to 150 degrees ormore. This extreme heat radiates into theattic and the living space causing con-densation and the potential for mold.Our air conditioning systems also needto work harder and consume more ener-gy with all this heat directly above ourheads. The extreme heat also makes it

very uncomfortable to enter thesespaces.

Most builders and design profession-als are not familiar with modern materi-als and progressive building sciencetechniques that can virtually eliminateall of these problems that force the tradi-tional, less effective requirement for ven-tilation in these building spaces. Real Savings:

Assume a home has 2,500 square feetof finished living area and will cost anadditional $5,000 for Spray Foam insula-tion. Assume that 80% of that $5,000investment will be financed, resulting ina $4,000 loan and a $1,000 down pay-ment. At a 7% interest rate, the monthlyloan would increase by $26.60 permonth, or approximately $6.65 per thou-sand per month.

Now consider the cost of heating andcooling the same home. We will use anaverage cost of $200 a month for a stan-dard fiber glass insulated home. Theactual cost will probably be much higher.By insulating the home with spray foamin both the walls and ceiling, the heatingand cooling cost will be at least 40% lessthan the fiberglass home with the sameR-value. This calculation shows a poten-tial average savings per month of $80.So Lets Review...

Invest $26.60 per month and get back$80.00

Estimated Average MonthlyHeating/Cooling Cost $200.00

Average 40% Saving per Month withSpray Foam $80.00

Yearly Savings with Spray Foam insu-lation $960.00

This reflects a savings of almost $1,000per year in energy costs. If you take the$1,000 per year and divide it by the$5,000 costs, the calculation gives you a20% return on your investment. Whereelse can you get that kind of return?

How to choose the right insulation for your home or metal building!

• Insulation